公开(公告)号：US20150081553A1

公开(公告)日：2015-03-19

申请号：US14489106

申请日：2014-09-17

Applicant: BC INVESTMENTS & LEASING, INC.

Inventor： Bryan J. Smith

IPC: G06Q20/10 ,  G06Q20/02 ,  G06Q20/16 ,  G06Q20/40

CPC classification number: G06Q20/10 ,  G06Q20/023 ,  G06Q20/401

Abstract: An electronic funds transfer consumer authorization verification system for efficiently proving that a consumer authorized a financial transaction via an ACH network. The electronic funds transfer consumer authorization verification system generally includes accepting by a business an authorization from a consumer to debit and/or credit the consumer's financial account in a specified amount via an ACH network, communicating the ACH detailed record for the ACH transaction along with a transaction data file from the business to a third-party payment processor, and communicating to the business a transaction key associated with both the ACH detailed record and the transaction data file. The transaction data file is an image data file that may be comprised of an ACH authorization signature or statement by the consumer authorizing the ACH transaction, a copy of the identification documents for the consumer and/or state licensing information for the business.

Abstract translation: 电子资金转账消费者授权验证系统，用于有效证明消费者通过ACH网络授权金融交易。 电子资金转移消费者授权验证系统通常包括接受消费者的授权，经由ACH网络以指定数量借记和/或贷记消费者的财务账户，将ACH交易的ACH详细记录与 将业务数据文件从业务发送到第三方支付处理器，并且与业务通信与ACH详细记录和交易数据文件相关联的交易密钥。 交易数据文件是图像数据文件，其可以由授权ACH交易的消费者的ACH授权签名或声明，用于消费者的身份证件的副本和/或用于该业务的状态许可信息组成。

公开(公告)号：US20160180305A1

公开(公告)日：2016-06-23

申请号：US15019888

申请日：2016-02-09

Applicant: BC Investments & Leasing, Inc.

Inventor： Craig S. Dresser ,  Bryan J. Smith

IPC: G06Q20/10 ,  G06Q20/40 ,  G06Q20/32

CPC classification number: G06Q20/102 ,  G06Q20/20 ,  G06Q20/223 ,  G06Q20/32 ,  G06Q20/3255 ,  G06Q20/401 ,  G06Q20/4012 ,  G06Q40/02

Abstract: Embodiments related to payments linked to a mobile number are described herein. In an embodiment, a payment request is received from a payee device for a payment on behalf of payer. A mobile number associated with the payer is determined, and an authorization request for the payment is transmit to the mobile number. A payment authorization from a device associated with the mobile number is received. A transaction request is submit to a financial institution associated with the payer to make the payment to payee. The payer and payee are notified as to a result of the transaction request.

Abstract translation: 本文描述了与移动号码链接的支付相关的实施例。 在一个实施例中，从收款人设备接收代表支付者的付款的支付请求。 确定与支付者相关联的移动号码，并且向移动号码发送用于支付的授权请求。 接收与移动号码相关联的设备的支付授权。 交易请求将提交给与付款人有关的金融机构，以付款给收款人。 有关交易请求的结果通知付款人和收款人。